See other homes in:
Primary listing photo

3968 221st Ln NW, Oak Grove, MN, 55303

4beds
3baths
2,354sqft
$665,000
$282price/sqft
$4,489/moest. monthly cost
$179,560/yrincome needed

About This Home

Here's your opportunity to own a brand new home! Sitting on 2 acres on a cul-de sac, this two story home offers a modern look with all vertical board and batten siding on the front, stone, and a front porch. Walking inside you'll find a front facing main floor office, a large living room with a fireplace, a spacious kitchen with lots of cabinets, a corner pantry, and a large center island with quartz or granite countertops, and a full tile backsplash. Off the garage there is a mud room with cubbies and a half bathroom. Upstairs you'll find four spacious bedrooms, a very lage primary bedroom with an ensuite, dual sinks, a seperate tub and ceramic tile shower, a huge walk in closet that connects to the upper level laundry. This home has an unfinished walkout basement for fututre expansion. This home has it all! Don't miss out on this one!

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

9/10
5/10
8/10
St. Francis High SchoolGrades 9-121.9 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Roof: Age 8 Years or Less,Architectural Shingle

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range,Refrigerator,Stainless Steel Appliance(s)
  • Laundry features: Upper Level

Basement

  • Has basement: Yes
  • Basement: Drain Tiled,Walk-Out Access

Bedroom

  • Level: Upper
  • Area: 225
  • Dimensions: 15X15

Bedroom2

  • Level: Upper
  • Area: 143
  • Dimensions: 13X11

Bedroom3

  • Level: Upper
  • Area: 132
  • Dimensions: 12X11

Bedroom4

  • Level: Upper
  • Area: 143
  • Dimensions: 13X11

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Level: Main
  • Area: 204
  • Dimensions: 17X12

Features

  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,354

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,383
  • Total interior livable area: 2,354 sqft

Kitchen

  • Level: Main
  • Area: 187
  • Dimensions: 17X11

Laundry

  • Level: Upper
  • Area: 90
  • Dimensions: 10X9

Living Room

  • Level: Main
  • Area: 225
  • Dimensions: 15X15

Mud Room

  • Level: Main
  • Area: 40
  • Dimensions: 8X5

Office

  • Level: Main
  • Area: 110
  • Dimensions: 11X10

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 053324330006
  • Zoning description: Residential-Single Family
  • Foundation area: 1029

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Porch

Lot

  • Lot size: 2.00 Acres
  • Lot size dimensions: see ta x record

Parking

  • Total spaces: 3
  • Parking features: Attached,Asphalt,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Hail
Inland Flooding
Lightning
Tornado
Wildfire
Winter Weather

FEMA Declared Disasters in Anoka County and Minnesota

Flood
Severe Storm
Straight Line Winds

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,362$40,344
Home Insurance *$409$4,908
Property Taxes $520$6,240
Electricity $198$2,382
Total$4,489$53,868
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$153,908/yr
40% on housing$134,670/yr
45% on housing$119,706/yr

Minnesota FAIR Plan Programs

Minnesota FAIR Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 4,160Commercial: 101
Total Premiums$4.54M
Total Exposure$457.44M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.5%
11.5%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 2.4%
2.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$282This listing

vs Other Active Listings

Avg $/sqft

ZIP 55303$172
Anoka County$180

vs Homes Sold Last Month

Median $/sqft

ZIP 55303$183
Anoka County$194

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-10Listed for sale$665,000

New Construction

AgentJonah Waalen
BrokerageKeller Williams Classic Realty

Similar Homes